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Hi Ankur, I agree with most of your suggestions. Just a couple of more points
1. Ratuja should consider stopping traditional insurance plans and start term life, that gives additional 3500 per month to her. Means 7500 to invest
2. She should invest 500 in liquid fund, 1000 in arbitrage fund, 2000 in Gold and Silver Mutual Fund, 1000 in Nifty Next 50, 1000 in flexi Cap, 1000 in mid cap, 1000 in small cap.
